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Queries Participated

Abhishek Mawle   21 September 2014 at 13:43

Banking sanction letter

I had obtained an education loan from State Bank of India for pursuing Master’s education. I along with my father are Joint Borrowers for the education loan. Among other documents, I and my father also executed an arrangement letter cum Loan sanction letter along with terms and conditions, Dt: 27/12/2006 at point no.6(2a) of the said letter under sub heading SBI Life Yearly Premium which reads “SBI Life Yearly Premium to be debited to Loan Account:Re Obtain SBI SHIELD before disbursement of loan”. This arrangement letter was signed by all the parties to it i.e. Joint Borrowers ( myself and my father) and Astt.General Manager (RACPC), State Bank of India.

I had requested the Central Public information officer to give Copy of the insurance policy “SBI Shield” covering the lives of the “Joint borrower” for Education loan as per the terms and conditions mentioned in the arrangement letter, under the RTI Act 2005, as per my application dated 10-04-2014. Thereafter I received reply from Central Public Information Officer, Ref: Lr. No SARB/SVR/2014-15/24,Dt: 08/05/2014 wherein he has expressed the inability to furnish the Copy of the insurance policy “SBI Shield” covering the lives of the “Joint borrower” for Education loan "as there is no stipulation in the arrangement cum sanction letter for obtaining a life insurance policy of the borrowers as per the terms and conditions mentioned in the arrangement letter”, Which is a lie and completely contradictory.

I was not satisfied with the reply of Central Public Information Officer hence I filed first appeal. I filed an appeal with the appellate authority with an additional document titled "Most Important Terms and Conditions" issued by State Bank Of India Corporate office to all State Bank of India Branches across India point No.4 under sub heading expenses considered for loan which reads “Premium of the insurance policy covering the life of the borrowers of the loan”. I did not receive any reply.

At the time of availing the education loan,the bank has taken a “SBI life insurance policy”(SBI Shield) for Rs25.00 Lac in the name of each borrower i.e myself and my father from its sister concern SBI Life Insurance Co.Ltd and assigned itself as the nominee in the case of death of any borrower. At the time of disbursing of the loan the bank has taken the signature of the borrowers in the life insurance policies and letter of assignments which stands in the favor of the bank as beneficiary. As such the bank has taken the “ SBI Shield ” in the name of the borrowers before the disbursement of the loan.

The bank is silent whether they have encashed the life insurance policy standing in the name of the second borrower i.e my late father.

After adjustment of the loan outstanding amount with the benefit of the insurance policy of Rs 25.0 Lacs.I am entitled to balance amount of insurance policy which is approximately Rs 9.0 Lacs.

Can I file a civil suit against the bank for breach of contract, dishonesty, cheating or any other provisions etc and claim damages, other reliefs. Please suggest.

Abhishek Mawle   01 June 2013 at 13:36

Education loan

Parent Will the bank.

Abhishek Mawle   29 November 2012 at 23:51

Education loan

Is education loan a contingent contract since the banks repayment condition is to start repaying the loan after 1 year of completion of education loan.

Abhishek Mawle   29 November 2012 at 23:48

Ancestral property

Our father died leaving behind a property. We are three people in the family me,my younger sister and younger brother.My younger brother filed a partition suit to divide the property but now he is trying to sell the property or alternatively mortgage the same.how can I stop my brother from taking steps which can cause harm to our share in the court.

Abhishek Mawle   03 October 2012 at 16:54

Voting in mla, mp, counselor & mlc elections

I stay at Bhopal for some months in a year with my parents and for some months with my wife and child at Nasik. In which constituency can I vote for MLA, MP, Counselor and MLC elections.

Abhishek Mawle   24 August 2012 at 10:50

Criminal trial procedure

What happens when "A" files a criminal complaint against "B" and "B" files a criminal complaint against "A".These type of counter cases often Court considers "who are the aggressors" . So what is the procedure of the trial in these cases after the copy of the complaint and chargesheet is given to the accused.

Abhishek Mawle   23 August 2012 at 10:29

Municipal law

My mother wanted to extend our house by constructing a room at the back side of our house, so she began constructing a room. At the stage when pillars were erected our neighboring apartment objected to the same by falsely stating that we are building the room on the compound wall. Hyderabad Municipal corporation issued first notice under Sec 452 of the Hyderabad Municipal Corporation Act stating that we have constructed the room unauthorisedly , so my mother replied to the notice.Subsequently the municipal corporation issued a second Notice under Sec 452(2) of the Hyderabad Municipal Corporation Act. We are shortly going to resubmit the completed extension application for permission. How do we stop the Hyderabad Municipal Corporation from demolishing the structure.

Abhishek Mawle   10 August 2012 at 23:53

Electricity act and harassment

Andhra Pradesh electricity board officials are harassing us since 6 months. It all started when we had new tenants come to our house who operate an office from the rented premises the lineman told us that we need to install a new commercial electricity meter and if we pay him a bribe of Rs 5,000 he will install a new meter but we refused saying that we already have two meters in our name one commercial meant for office and the other domestic meant for residence. Some days later the local Assistant Engineer came to our house and issued us a notice u/s 126 of electricity act for unauthorised use of domestic electricity for commercial purpose and thereby converted our residential meter to commercial category .We appealed the same with the appellate authority stating the facts that we are using the electricity for authorised purpose since we already have a commercial meter that is supplying the power to the office but the appellate authority who also happens to be an employee of the same board rejected our appeal, subsequently we applied to the local officer to convert our meter back to residential meter category so far we have not received any reply from the office. In the mean time we have received another notice to pay additional consumer deposit for both our meters stating that we are drawing more than the rated load. We feel that we are being punished for not giving a bribe by the vindictive electricity officials. Can we approach human right commission and what is the recourse for us against the electricity officials?

Abhishek Mawle   23 July 2012 at 22:04

Tax evasion petition

My mother had filed a tax evasion petition against our neighbor with the income tax department subsequently she also filed RTI to know the status of the same but the Assistant Director of Income tax has denied the information vide notification dt 27/03/2008 that office of director of income tax investigation is in the second schedule of RTI act hence provisons of RTI act are not applicable to his office as per sub section (1) of section 24 of RTI act.Please advise how can we get information.

Abhishek Mawle   22 July 2012 at 21:41

Tax evasion petition

My mother had filed a tax evasion petition against our neighbor with the income tax department subsequently she also filed RTI to know the status of the same but the Assistant Director of Income tax has denied the information vide notification dt 27/03/2008 that office of director of income tax investigation is in the second schedule of RTI act hence provisons of RTI act are not applicable to his office as per sub section (1) of section 24 of RTI act.Please advise how can we get information.


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